VIB Up, a comprehensive financial upgrade solution from VIB, introduces a membership-based model designed to empower customers. This program allows individuals to select a benefits package tailored to their financial goals, whether for depositing funds, borrowing, or card spending. Specifically for deposits, VIB Up features three distinct packages: Plus, Pro, and Elite, catering to varying asset levels and financial needs.

Each VIB Up package applies a unique additional interest rate for the one-month i-1Depo deposit product. These benefits come with corresponding preferential limits for each membership tier. The Plus package, for instance, targets customers maintaining an average checking account balance of 100 million dong or more. It offers an additional 1.1% i-1Depo interest, with a maximum deposit limit of 500 million dong. This package is ideal for those in a stable accumulation phase, seeking to optimize returns from short-term idle funds.

VIB Up offers membership-based deposit packages, with up to 2% additional i-1Depo interest. Photo: VIB

The Pro package caters to customers with an average checking account balance of 200 million dong or more. It provides an i-1Depo preferential limit of up to one billion dong, along with an additional 1.5% interest. This group typically includes small business owners or individuals with frequent cash flow who are beginning to prioritize value-added experiences beyond just interest rates. For customers with an average checking account balance of 300 million dong or more, the Elite package offers the highest i-1Depo preferential limit, reaching 1.5 billion dong, coupled with an additional 2% interest. These customers often have substantial funds temporarily idle while awaiting investment decisions or seeking suitable short-term investment channels.

Beyond enhanced interest rates, VIB Up packages integrate a range of member benefits. Customers opting for the Pro and Elite packages receive Priority tier experience, which includes four airport lounge visits. All three packages also feature reduced fees for opening selected digital checking accounts. The discount increases with the package level, ranging from 10 million dong for the Plus package to 30 million dong for the Elite package. Furthermore, customers are eligible for up to three months of Max Card credit card membership fee waivers, aligned with the membership tier of their respective Max Card credit card package.

According to a VIB representative, these comprehensive benefits truly differentiate VIB Up from simply depositing money for returns. The total value delivered by each package significantly surpasses the membership fee paid by the customer. Through its flexible choose-your-package model, VIB Up provides an optimal solution for managing idle funds not immediately needed. Customers avoid compromising between liquidity and interest rates, instead actively upgrading their financial status based on their specific requirements. The three packages — Plus, Pro, Elite — ensure customers can select the benefit level that precisely aligns with their asset size and financial goals.

Hoang Dan

Learn more and register for the suitable VIB Up package here.